Advisory Services

Investment advice for plan sponsors and participants.

Tailored, unbiased advice for your plan and participants that isn't influenced by external parties or revenue-sharing programs. Personalized investment advice is included for all participants instead of a separate, incremental fee.

Advisory services are overseen by a team of experts. Betterment LLC, an SEC-registered investment advisor, serves as an ERISA 3(38) fiduciary. This means that we are legally required to act in the best interest of your plan and your participants.

Participant experience

All participants receive a managed account solution, which provides automated guidance regarding how much to save and how to invest. Participants can sync external accounts for a holistic view of their savings and investments.

What is the size of your company's retirement plan?

Your advisory fee is:

We welcome plans with assets above $50 million. Please contact us for a custom fee estimate.

Fund Expenses

Fees charged for investing your plan assets.

What's included

Investment in low-cost, exchange-traded index funds at companies such as Vanguard and BlackRock.

What's better

Fund selection is unbiased; this means that Betterment does not receive any compensation or benefits from the investment companies selected on behalf of your plan and participants. We select low-cost funds to help optimize your returns.

*As of March 2017, the asset-weighted average expense ratio for a 70/30 Stock/Bond portfolio was 0.10% and the expense ratios for Betterment portfolios range from 0.08% to 0.15%.

Your estimated fund expenses are:

≈0.10%of plan assets*

$total per year

Recordkeeping

Administration and bookkeeping to maintain your plan.

What's included

All required recordkeeping responsibilities including tracking participants, investments, and assets in the plan.

What's better:

Traditionally, recordkeeping fees are hidden in mutual fund expenses, making it difficult to pinpoint exactly what you are paying for this service. At Betterment, our transparent pricing empowers you, as a fiduciary, to link the services provided to the fees paid.

Team members are active in the American Society of Pension Professionals & Actuaries (ASPPA) and with the Certified Financial Planner Board of Standards (CFP Board).

Compliance fee charged on an annual basis and will not be applied if you work with your own TPA.

Do you plan to partner with a Third Party Administrator?

No

Yes

Your compliance fee is:

$yearly fee

Your Fee Calculation

Total annual fees, customized to your plan specifications.

Based on your plan size of $ and #, your estimated total annual fee is $, or % of plan assets.

Our flexible structure allows you to decide how to share fees with your employees – for each fee type, you can choose to pay the fee or have participants share the cost.

We believe 401(k) plan fees should be transparent and easy to understand. If you have questions about the fees you are currently paying, contact our team of 401(k) experts to get a custom analysis of your plan.

Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or
model returns. Actual returns will vary greatly and depend on personal and market circumstances.

401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants
provided by Betterment LLC, an SEC registered investment adviser.
Brokerage services provided to clients of Betterment LLC by Betterment Securities,
an SEC registered broker-dealer and member FINRA/SIPC.
Betterment LLC and Betterment Securities are affiliates of Betterment for Business LLC.

Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the
potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment's charges
and expenses. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature.
See full disclosures for more information. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions
where Betterment Securities is not registered.